Home Insurance in North Aurora, Illinois
With a median home value of $342,100, North Aurora is close to the Kane County median.
The typical home in North Aurora was built around 2000. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 8% of homes were built before 1960, about 16 points below Kane County's 24%.
In North Aurora, the housing stock is 77% single-family homes and 17% apartments in buildings with 5+ units.
About 68% of owner-occupied homes in North Aurora have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
North Aurora has an owner-occupancy rate of 72% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
Most homes in North Aurora - 83% - are primarily heated with natural gas.
FEMA rates Kane County's overall risk as Relatively High, led by tornado (Relatively High). Kane County had 1,031 active NFIP flood policies as of September 2026. See the full Kane County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Illinois carries a statewide average premium of $1,480 per year.
Key figures
| Median home value | $342,100 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Kane County | 1,031 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)